MSI GF4 MX440 Fan problem

[BG4533]

The fan on my MSI GF4 MX440 VTP is starting to go out i think. It has recently gotten very loud and not consistent sounding. Will this card be ok without a fan at its stock settings? I rarely play games, so the card isn't incredibly stressed and I dont want to buy a new card. My case temps are about 28c with good airflow. Is there another very quiet fan I should replace this with or should I consider a Zalman HP-80a passive cooler.